What should I pay attention to when applying for child marriage insurance?

When parents buy children's marriage insurance for their children, they must first choose a wedding insurance with a dividend function, which can resist inflation. When choosing, you also need to pay attention to the choice of insurance company, and it is best to choose an insurance company with strong solvency and good assets. Secondly, you should choose some marriage insurance with additional exemption functions, so that if the adult has risks and accidents during the validity period of the contract, the child's protection will remain unchanged, so as to avoid the worries of the parents.

When parents buy marriage insurance for their children, they must pay attention to some details to avoid unnecessary losses to themselves. So, what should I pay attention to when buying children's marriage insurance?

1. When parents buy marriage insurance for their children, they should fill in the age and health status of the insured truthfully, and determine the payment method. In addition, the insurance policy will not be effective until the policyholder has paid the first premium instalment.

2. After the insurance is successful, the policyholder should take good care of the policy, and should notify the insurance company in time once it is lost, and go through the procedures for a new policy.

3. It is also important to pay the premium of the dowry in time, if the interruption is too long, it will lead to the lapse of the policy and the loss of insurance protection.

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Child marriage insurance is one of the oldest types of insurance introduced around 1990, it is equivalent to a sum of savings, the interest rate is relatively high, as for the marriage is just a reason. Wedding benefit is a comprehensive insurance that comes with both term insurance, term annuity insurance, accident insurance, and accidental injury medical expense insurance. The insured survives until the expiration of the insurance period, and the insurer pays the dowry.

Children's Marriage Insurance.

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Child marriage insurance is one of the oldest types of insurance introduced around 1990, it is equivalent to a sum of savings, the interest rate is relatively high, as for the marriage is just a reason. Wedding benefit is a comprehensive insurance that comes with both term insurance, term annuity insurance, accident insurance, and accidental injury medical expense insurance. The insured survives until the expiration of the insurance period, and the insurer pays the dowry.

Further information: Children's dowry insurance is a type of insurance that assists parents in accumulating dowry benefits for their children. It is a comprehensive insurance for survival insurance, death or accidental injury, and participation in children's dowry insurance, which can enjoy the dual treatment of savings and insurance.

The so-called enjoyment of savings treatment refers to the payment of insurance savings by parents (policyholders) to insurance companies (insurers) on a monthly, quarterly or annual basis for their children (insureds). That is, anyone who has reached the age of 22 or 50, is in good health, can work or work normally, and can pay the premium on time, can apply for the insurance from the insurance company for his 1 17-year-old children or children who have a dependent relationship, and the insurance premium can be paid at a monthly rate of 5 yuan, 10 yuan, 15 yuan, and 50 yuan. The so-called insurance benefits refer to the insurance benefits that parents can enjoy insurance benefits during the insurance period from the time of insurance for their children to the age of 22, if the parents die or the children are disabled or accidents occur.

Can I buy child marriage insurance for children under the age of 13?

OK. 1 17 years of age or dependent children can be insured by the insurance company.

What are the fees and claims?

Wedding benefit is a comprehensive insurance that comes with both term insurance, term annuity insurance, accident insurance, and accidental injury medical expense insurance. The insured survives until the expiration of the insurance period, and the insurer pays the dowry. If the insured is disabled due to an accident during the validity period of the insurance, the insurer shall pay all or part of the insurance benefits according to the degree of disability.

In the event of the accidental death of the insured, the entire insurance benefit will be paid, and the surrender benefit will be paid at the same time. If the insured dies due to illness, only the death benefit will be paid.

The maximum cost is 50 yuan, and the claim conditions are quite good.

How much can I get if I pay 3,000 a year for 10 years?

This is not a financial insurance, and the insurance premium can be paid ...... 5 yuan, 10 yuan, and 15 yuan per month50 yuan to choose any kind. The so-called entitlement to insurance benefits.

You can't pay a high amount.

Children's marriage insurance refers to a kind of insurance that reserves and guarantees, and this insurance is mainly used to reserve marriage for children**. Nowadays, with the continuous development of the economy, many parents want to buy marriage insurance for their daughters.

So how to choose Pai Liheng insurance? According to the family's existing security situation and economic situation, we should focus on the more important bad key insurance products. It is recommended that families purchase insurance in the order of head of household, spouse and children.

At the age of 16, the insured person can receive high school education expenses for 3 years and university education expenses for 4 years at the age of 18 according to normal circumstances; When the insured person reaches the age of 22, the insurance company will pay the dowry according to the marriage insurance agreement. The amount to be paid will be determined exactly as it is. If the child goes to high school or college when the insurance expires, the education fee will still be paid annually; If the child delays marriage at the age of 22, the dowry will still be paid according to the timing of contributions.

If the insured is disabled or dies due to an accident during the insurance period, the insurance company will pay part or all of the insurance benefits as required. If the insured is still alive due to illness or accidental death, the remaining premium can be waived in accordance with the relevant terms of the insurance, but the liability of the insurance company will not change.

With the development of the times, insurance has become an indispensable existence in people's daily life. Endowment insurance, medical insurance, etc. are common insurances, but you may not be familiar with wedding insurance, so what is wedding insurance?

1. What is wedding insurance?

Insurance has entered people's lives, but many people may not know much about wedding insurance. Wedding insurance is also a type of insurance, which belongs to the financial industry and is no different from ordinary insurance. It's just that the money paid by the wedding insurance can be withdrawn and dividends can be paid.

In fact, wedding insurance can also be called education insurance, what the name is, mainly depends on the use of funds, but now the wedding insurance has slowly withdrawn from people's lives and the market, and it is relatively rare.

2. The function and role of marriage insurance.

1. The insured can receive high school education fees when he or she is at least 16 years old; If you enter the university at the age of 18, you can receive 4 years of university education; Marriage leave can be granted to those who have reached the legal age of 22, but the amount of marriage leave is determined according to the amount insured.

2. If the insured suffers misfortune or disability during the insured period, the insurance company will pay the corresponding insurance amount according to the provisions of the contract.

3. If the insured dies during the insurance period, the insurance company will pay the death insurance money. If the policyholder has an accident, the insured does not need to pay the insurance premium, and the insurance company still bears the insurance liability.

4. The marriage insurance premium is low and the income is high, and the education insurance can be insured separately or the marriage education both, and the age of the insured is 22 years old.

3. Precautions for purchasing wedding insurance.

1. When applying for marriage insurance, the age of the insured needs to be a few years old, and the health status should also be filled in truthfully, and choose the insurance method that suits you.

2. After the insurance is successfully purchased, you must keep the insurance policy properly, which is an important basis for receiving insurance money and surrendering the insurance.

3. The policyholder needs to pay the insurance premium.

The above is the content of wedding insurance, in fact, marriage insurance is also an ordinary insurance, providing protection for future life.

Wedding insurance is a kind of savings insurance, which is no different from general savings and dividend insurance, the average annual savings rate of return of this type of insurance is between 3% and 4%, and the annual premium is about 15-20% of the annual income is more appropriate!

The marriage type of insurance belongs to the wealth management type insurance. After all, there are many types of this kind of insurance, and all major insurance companies have them. The company's financial products are the best, this kind of products mainly depends on the company's income, the current number of years of leakage, you can search for the insurance company's income ranking in the future, in recent years, Ping An's income has been ranked first.

Marriage insurance is that parents insure their children when they are young, and they insure them with a sum of money every year, which is returned when the child reaches the age of 22! Wedding insurance is actually a wedding payment, which is more than staring at the current children's insurance, whether you are married or not, this money can be received.

There are many types of children's insurance on the market, and many parents are interested in children's marriage insurance. The so-called children's marriage insurance is an insurance product designed by insurance companies to assist parents in raising education and marriage expenses for their children, which has the dual nature of insurance and savings. If the insured person survives until the end of the insurance period, the insurance company will pay the dowry.

Many parents don't know what the advantages of buying children's marriage insurance are, so let's introduce them to you. Which insurance company is strong, I just sorted out the relevant content, I hope it will be helpful to you: the latest list!

Ranking of the top 10 insurance companies in the country.

Benefits of Purchasing Children's Wedding Insurance

Since the children's wedding insurance of various insurance companies in the market is different, I will take a children's wedding insurance of China Merchants Cigna - Guardian Future Education Annuity Insurance (Participating) Plan as an example to introduce the benefits of purchasing this type of insurance. As far as I know, the benefits of purchasing a Guardian of the Future Education Annuity Insurance (Participating) plan are as follows:

Point 1: You can receive an education grant.

18-21 years old, can get 30,000 yuan of university education every year.

When the insured reaches the age of 18 (i.e., the age at which he or she should normally be admitted to university), he or she can start receiving university education allowance for 4 years; When you reach the age of 22, you will start to receive a postgraduate education allowance for 3 years; When you reach the age of 25, you will start to receive maturity insurance benefits for starting a business or getting married. A total of 400% of the basic sum insured is earmarked to ensure that the fee office does not use it for other purposes.

Point 2: Have a death benefit.

When the insured person dies due to an accident or illness during the insurance period, the insurance company will refund 100% of the premium paid to the main insurance.

The third point: have a premium waiver function.

When the insured unfortunately dies, becomes totally disabled or suffers from a critical illness as agreed in the contract for the first time after the waiting period (in line with the contract), the insurance company will waive the remaining premium, but the insurance company will still bear the insurance liability in full, so as to solve the parents' worries.

Fourth: be able to share the revenue.

While the insured enjoys the protection, the insured can also receive additional dividend income, which effectively resists market inflation and ensures the long-term appreciation of the account.

Point 5: The insurance policy can be contingency.

As long as the policy has a cash value, the policyholder can apply for a loan from the insurance company up to 80% of the cash value to help the family tide over the financial crisis.

The above is the benefit of buying a guardian future education annuity insurance (dividend) plan, in fact, the children's marriage insurance is similar to each other, generally have the above protection, but there are differences in the scope of protection, parents must pay attention to the choice when applying for insurance, shop around. What is the best coverage for children's critical illness insurance? Which ones are cost-effective?

Which one is the best to buy? Let's take a look at the inventory of the top 10 insurance companies' best-selling children's critical illness insurance.

Hello! Children's marriage insurance is an insurance business opened by insurance companies to assist parents in raising education and wedding expenses for their children, and has the dual nature of insurance and savings. Anyone between the ages of 21 and 50 who is in good health can apply to the insurance company for their children between the ages of 1 and 19 who are in good health or have a child in a relationship with them.

Xueba said insurance, only recommend the most suitable child insurance!

This year, the comparison table of 136 hot-selling juvenile critical illness insurance has been updated.

, click to get it now, I believe it can help you choose the right insurance for your child.

How to buy insurance for your child

First, children's medical insurance is essential!

After the child is registered, the first thing to do is to complete the medical insurance. Whether it is a major illness or a minor illness, basic medical insurance is particularly important, which is the basic security welfare given by the state, and must be handled well.

Second, after buying medical insurance, you can fully configure critical illness insurance + medical insurance + accident insurance in commercial insurance.

First of all, critical illness insurance, which provides a relatively long period of protection. In addition, critical illness insurance can pay a large amount of cash directly after getting sick, which can not only solve the problem of medical expenses, but also solve other associated problems, such as missing homework due to illness, which requires a lot of cash to make up. Buying a pure protection critical illness insurance can just solve these problems in the future.

In addition, medical insurance can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, the sum insured of 10,000 yuan, and the annual premium is only one or two hundred yuan, which is very practical.

Finally, you need to configure an accident insurance, the child's accident insurance is very cheap, and the insurance amount of 20w is only sixty or seventy yuan per year, you don't see that it doesn't cost much, but in fact, the protection is quite extensive, accidental death, disability, and accidental medical liability are within the scope of protection, and the cost performance is very high.

Third, what are the insurance policies that are not recommended for children?

Don't choose life insurance for your child, and try not to consider critical illness insurance with both liabilities attached. The specific reasons I know are in this answerWhy is it so hard to buy child insurance? You'll know when you see it!

has been introduced in detail, because it has been clearly stated in the manuscript, I will not say too much here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, about 1,000 yuan per year can be done, if you buy lifelong protection, it is only two or three thousand per year, which is very practical.

That's all for me"What is Child Marriage Insurance?"